Can I buy a house in Fuzhou without a temporary residence permit, medical insurance and social security?

You can't buy a house in Fuzhou without a temporary residence permit, medical insurance and social security. If a foreign household registration wants to buy commercial housing with a building area of 1.44 square meters or less in the five districts of Fuzhou, it is necessary to provide proof that the individual income tax or social insurance has been paid in the five districts of this city for two years before the date of purchase 1 year or more, and the paid individual income tax or social insurance is not counted. The five districts of this city refer to Gulou District, Taijiang District, Cangshan District, Jinan District and Mawei District.

Matters needing attention in buying a house in Fuzhou

Fuzhou's purchase restriction policy suspends the sale of commercial housing with a building area of 144 square meters or less within the five urban areas of this city for the following three types of families. Families with two or more sets of commercial housing in five districts of this city, and families with 1 set of commercial housing in five districts of this city.

Non-registered households in five districts of this city who cannot provide personal income tax or social insurance certificates within two years 1 year or above before the date of purchase. The determination of the number of residential housing units includes the purchase of new commercial housing and second-hand housing with existing housing, but does not include self-built housing, housing reform housing, affordable housing and resettlement housing.

Be careful not to buy more than 144 square meters. Families who are not registered in the five districts of this city may not obtain the qualification of buying houses in the five districts of this city by paying personal income tax or social insurance. Households registered in the five districts of this city already own a house in the five districts of this city, and the down payment ratio of commercial housing loans for purchasing a second house is not less than 50%.

It is understood that residents who are currently in Fuzhou and have Fuzhou hukou are ready to buy a house and need to apply for a mortgage loan from the bank. In addition to checking whether the customers of the credit information system have loan records, the bank will also require customers to issue certificates of the number of houses under their names to the Fuzhou Housing Management Department.

If it is a customer who comes from other places to buy a house in Rong, he must also provide the bank with proof of living in Rong for more than one year, including proof of tax payment or social insurance payment for more than one year. If it cannot be provided, the second home loan policy will be implemented.